A short term loan can still be an option if your credit history isn’t perfect.
Missed payments, defaults or past CCJs don’t automatically mean you’ll be declined.
At LoanPig, we work with UK lenders who look at your current situation, not just your past.
Bad credit happens.
A job change, rising bills or a one-off emergency can leave marks on your credit file that take years to fade.
If you need money short term and have bad credit, the right lender will focus on:
- What you earn now
- Your recent bank activity
- Whether the loan is affordable for you today
Not just a number on a credit report.
What Is a Short Term Loan for Bad Credit?
A short term loan for bad credit is designed for people who:
- Need money quickly
- Plan to repay over weeks or months
- Have a less-than-perfect credit history
These loans are usually:
- Smaller amounts
- Shorter repayment periods
- Assessed using affordability checks rather than strict credit scoring
They are not guaranteed, but bad credit alone does not rule you out.
Can You Get a Short Term Loan with Bad Credit?
Yes, but acceptance depends on more than your credit score.
Lenders will usually look at:
- Regular income
- Recent bank transactions
- Existing commitments
- How affordable the repayments are
Some lenders use soft credit checks to assess eligibility before a full decision, which won’t affect your credit score.
What Types of Bad Credit Are Considered?
You may still be considered if you have:
- Late or missed payments
- Defaults
- Debt management plans
- Older CCJs
Recent or unresolved issues can reduce acceptance, but they don’t automatically mean no.
Each lender sets their own criteria.
How Much Can You Borrow?
With bad credit, lenders usually start small.
Typical ranges are:
- £100 to £1,500
- Repayment over weeks or a few months
Borrowing less and repaying on time can help rebuild your credit profile over time.
How LoanPig Helps
LoanPig is a UK loan broker and a lender.
That means:
- One application, multiple lenders
- Lenders matched to your credit profile
- No upfront fees
- FCA-regulated partners only
We aim to show you realistic options, not false promises.
Applying Won’t Fix Bad Credit – But It Can Help
A short term loan should never be used to cover long-term debt problems.
But when used responsibly:
- On-time repayments may improve your credit file
- You avoid high-cost alternatives
- You cover urgent, short-term expenses
Always borrow only what you can afford to repay.
Is a Short Term Loan Right for You?
A short term loan may not be suitable if:
- Your income is unstable
- You’re already struggling with repayments
- You need long-term financial support
If that sounds like you, a short term loan alternative may be a better option.
Ready to Check Your Options?
Checking your eligibility is quick and straightforward.
- No obligation
- No upfront fees
- Lenders matched to bad credit profiles
Apply today and see what options may be available to you.